Senior Life Underwriting Specialist

Securian; Minneapolis (MN); Remote; USD 92,000 - 170,000; Full time

Benefits offered by this job

Paid time off

Holidays

Health insurance

Volunteer time off

401(k) retirement plan

Job summary

Securian Financial is seeking a Life Underwriting Sr. Consultant to evaluate life insurance applications and select risks aligned with profitability while delivering fair outcomes for applicants.

This role reviews new business, changes, reinstatements, and inquiries with high accuracy and timeliness, partnering with distribution and internal teams as a subject matter expert in underwriting.

Qualifications

• Bachelor's degree or equivalent experience.
• Minimum of 7 years of life underwriting experience.
• Demonstrated expertise in substandard underwriting.
• Demonstrated expertise in large case underwriting.
• Underwriting knowledge across medical and financial risk assessment.
• Strong decision-making skills with the ability to act independently in real time.
• Proven ability to analyze complex cases and apply sound judgment.
• Effective written and verbal communication skills.
• Ability to document rationale clearly and consistently.
• Proficiency in financial underwriting, including business cases.
• Understanding of reinsurance principles and when to engage partners.
• Results-oriented with a focus on quality and productivity.
• Agile mindset with a focus on continuous improvement and innovation.
• Trusted advisor to the field and internal partners.
• Strong collaborator who drives both business outcomes and team development.
• Consistently delivers high-quality decisions while supporting a positive customer and advisor experience.

Responsibilities

• Risk assessment and decisioning on applications within authority.
• Analyze medical, financial and lifestyle risk factors.
• Identify potential fraud and ensure guideline compliance.
• Make timely, accurate decisions balancing risk, competitiveness and experience.
• Recommend decisions with rationale for complex cases.

Skills

Decision making

Communication

Financial underwriting

Education

Bachelor's degree or equivalent experience

Job description

Securian Financial is seeking a Life Underwriting Sr. Consultant to evaluate life insurance applications and select risks aligned with profitability while delivering fair outcomes for applicants.

This role reviews new business, changes, reinstatements, and inquiries with high accuracy and timeliness, partnering with distribution and internal teams as a subject matter expert in underwriting.